Citizens Financial Services, Inc. (CZFS)

USD 52.8

(-7.32%)

Net Debt Summary of Citizens Financial Services, Inc.

  • Citizens Financial Services, Inc.'s latest annual net debt in 2023 was 276.33 Million USD , up 22.81% from previous year.
  • Citizens Financial Services, Inc.'s latest quarterly net debt in 2024 Q2 was 292.57 Million USD , up 16.97% from previous quarter.
  • Citizens Financial Services, Inc. reported annual net debt of 225.01 Million USD in 2022, up 304.78% from previous year.
  • Citizens Financial Services, Inc. reported annual net debt of -109.88 Million USD in 2021, down -1824.18% from previous year.
  • Citizens Financial Services, Inc. reported quarterly net debt of 231.73 Million USD for 2024 Q3, down -34.67% from previous quarter.
  • Citizens Financial Services, Inc. reported quarterly net debt of 292.57 Million USD for 2024 Q2, up 16.97% from previous quarter.

Annual Net Debt Chart of Citizens Financial Services, Inc. (2023 - 1993)

Historical Annual Net Debt of Citizens Financial Services, Inc. (2023 - 1993)

Year Net Debt Net Debt Growth
2023 276.33 Million USD 22.81%
2022 225.01 Million USD 304.78%
2021 -109.88 Million USD -1824.18%
2020 6.37 Million USD -87.82%
2019 52.34 Million USD -11.13%
2018 58.89 Million USD -31.4%
2017 85.86 Million USD 56.25%
2016 54.95 Million USD 475.36%
2015 9.55 Million USD -60.88%
2014 24.41 Million USD -55.09%
2013 54.36 Million USD 174.69%
2012 19.79 Million USD -15.59%
2011 23.45 Million USD 95.4%
2010 12 Million USD -47.05%
2009 22.66 Million USD -45.18%
2008 41.34 Million USD -40.9%
2007 69.95 Million USD 6.39%
2006 65.76 Million USD 49.23%
2005 44.06 Million USD 71.89%
2004 25.63 Million USD 1.15%
2003 25.34 Million USD 366.5%
2002 5.43 Million USD 196.72%
2001 1.83 Million USD 111.16%
2000 -16.41 Million USD -194.71%
1999 17.33 Million USD 59662.07%
1998 29 Thousand USD -94.43%
1997 521 Thousand USD -94.43%
1996 9.35 Million USD 185.13%
1995 3.28 Million USD -68.8%
1994 10.51 Million USD 704.54%
1993 -1.74 Million USD 0.0%

Peer Net Debt Comparison of Citizens Financial Services, Inc.

Name Net Debt Net Debt Difference
Amerant Bancorp Inc. 625.3 Million USD 55.808%
BayCom Corp 68.05 Million USD -306.066%
Burke & Herbert Bank & Trust Company 236.66 Million USD -16.761%
Brookline Bancorp, Inc. 1.27 Billion USD 78.337%
Capital Bancorp, Inc. -704 Thousand USD 39352.273%
The First Bancshares, Inc. 166.52 Million USD -65.94%
First Community Corporation 76.55 Million USD -260.95%
First Guaranty Bancshares, Inc. -10.71 Million USD 2678.242%
First Interstate BancSystem, Inc. 3.09 Billion USD 91.062%
FinWise Bancorp -110.48 Million USD 350.103%
Fifth Third Bancorp 16.89 Billion USD 98.364%
Farmers & Merchants Bancorp, Inc. 190.93 Million USD -44.731%
First United Corporation 108.15 Million USD -155.512%
Hope Bancorp, Inc. -24.97 Million USD 1206.583%
MainStreet Bancshares, Inc. 40.96 Million USD -574.599%
Landmark Bancorp, Inc. 67 Million USD -312.393%
LCNB Corp. 177.05 Million USD -56.073%
Medallion Bank -109.19 Million USD 353.069%
MidWestOne Financial Group, Inc. 341.84 Million USD 19.163%
Northrim BanCorp, Inc. -85.45 Million USD 423.378%
Northwest Bancshares, Inc. 585.12 Million USD 52.773%
Old National Bancorp 4.9 Billion USD 94.361%
OP Bancorp 23.12 Million USD -1094.966%
Pioneer Bancorp, Inc. -150.79 Million USD 283.252%
Peoples Bancorp Inc. 402.72 Million USD 31.383%
Peoples Financial Services Corp. 43.88 Million USD -529.682%
Flushing Financial Corporation 757.89 Million USD 63.539%
Pinnacle Financial Partners, Inc. 936.21 Million USD 70.484%
Pinnacle Financial Partners, Inc. 936.21 Million USD 70.484%
FS Bancorp, Inc. 60.26 Million USD -358.55%
Republic Bancorp, Inc. 196.59 Million USD -40.565%
Richmond Mutual Bancorporation, Inc. 251.26 Million USD -9.977%
Renasant Corporation -71.95 Million USD 484.061%
Red River Bancshares, Inc. -301.65 Million USD 191.605%
Riverview Bancorp, Inc. 100.29 Million USD -175.531%
Shore Bancshares, Inc. -287.25 Million USD 196.198%
Southern Missouri Bancorp, Inc. 186.6 Million USD -48.089%
Territorial Bancorp Inc. 192.63 Million USD -43.448%
Texas Capital Bancshares, Inc. -883.7 Million USD 131.27%
TFS Financial Corporation 4.79 Billion USD 94.234%
First Financial Corporation 99.03 Million USD -179.017%
United Security Bancshares 33.86 Million USD -715.969%
USCB Financial Holdings, Inc. 153.36 Million USD -80.187%
Valley National Bancorp 2.81 Billion USD 90.186%
William Penn Bancorporation 37.84 Million USD -630.198%
WesBanco, Inc. 1.13 Billion USD 75.751%
Waterstone Financial, Inc. 580.12 Million USD 52.366%
WSFS Financial Corporation -197.82 Million USD 239.688%
Wintrust Financial Corporation 1.15 Billion USD 76.087%
Zions Bancorporation, National Association 2.53 Billion USD 89.108%
Auburn National Bancorporation, Inc. -37.96 Million USD 827.928%
Merchants Bancorp 390.95 Million USD 29.318%
Cullman Bancorp, Inc. 30.61 Million USD -802.646%
Columbia Banking System, Inc. 2.59 Billion USD 89.349%
Fidelity D & D Bancorp, Inc. 22.17 Million USD -1146.272%
First Guaranty Bancshares, Inc. -10.71 Million USD 2678.242%
Heritage Financial Corporation 296.79 Million USD 6.892%
Merchants Bancorp 390.95 Million USD 29.318%
Mid Penn Bancorp, Inc. 276.06 Million USD -0.099%
NBT Bancorp Inc. 460.42 Million USD 39.982%
Southern California Bancorp 81.97 Million USD -237.102%
Civista Bancshares, Inc. 394.19 Million USD 29.899%
Simmons First National Corporation 792.28 Million USD 65.122%
HomeStreet, Inc. 1.78 Billion USD 84.555%
MVB Financial Corp. -299.04 Million USD 192.405%
CrossFirst Bankshares, Inc. -133.46 Million USD 307.054%
First Mid Bancshares, Inc. 487.38 Million USD 43.302%
Veritex Holdings, Inc. -299.28 Million USD 192.334%
Independent Bank Corp. 1.05 Billion USD 73.69%
Kearny Financial Corp. 1.66 Billion USD 83.366%
HarborOne Bancorp, Inc. 365.63 Million USD 24.423%
NB Bancorp, Inc. Common Stock 192.85 Million USD -43.288%
OptimumBank Holdings, Inc. 1.18 Million USD -23219.494%
Univest Financial Corporation 250.11 Million USD -10.482%
Bank OZK -874.79 Million USD 131.589%
OceanFirst Financial Corp. 984.54 Million USD 71.932%
The Bank of Princeton -10.25 Million USD 2795.435%
Provident Bancorp, Inc. -111.46 Million USD 347.915%
Mercantile Bank Corporation 709.41 Million USD 61.048%
Premier Financial Corp. 264.39 Million USD -4.516%
Oconee Federal Financial Corp. 55.95 Million USD -393.898%
First Financial Northwest, Inc. 97.27 Million USD -184.071%
ESSA Bancorp, Inc. 290 Million USD 4.712%
First Western Financial, Inc. -65.49 Million USD 521.945%
Triumph Financial, Inc. 118.78 Million USD -132.639%
QCR Holdings, Inc. 520.35 Million USD 46.894%
ChoiceOne Financial Services, Inc. 180.78 Million USD -52.855%
Blue Foundry Bancorp 378.25 Million USD 26.944%
Huntington Bancshares Incorporated 2.07 Billion USD 86.67%
First Bank 29.82 Million USD -826.556%
Five Star Bancorp -78.08 Million USD 453.905%
Financial Institutions, Inc. 218.87 Million USD -26.251%
CF Bankshares Inc. -131.43 Million USD 310.242%
United Bankshares, Inc. 480.31 Million USD 42.467%
Capital City Bank Group, Inc. 32.81 Million USD -742.077%
RBB Bancorp -116.69 Million USD 336.798%
Southern States Bancshares, Inc. 29.66 Million USD -831.616%
Northeast Bank 123.28 Million USD -124.146%
Hawthorn Bancshares, Inc. 64.24 Million USD -330.102%
SmartFinancial, Inc. -244.72 Million USD 212.917%
AmeriServ Financial, Inc. 101.52 Million USD -172.174%
FFBW, Inc. -5.06 Million USD 5552.565%
Sandy Spring Bancorp, Inc. 750.18 Million USD 63.164%
Citizens & Northern Corporation 158.45 Million USD -74.398%
Preferred Bank -722.85 Million USD 138.228%
Primis Financial Corp. 68.43 Million USD -303.793%
Union Bankshares, Inc. 65.42 Million USD -322.396%
CNB Financial Corporation -117.15 Million USD 335.864%
Sound Financial Bancorp, Inc. 6.84 Million USD -3935.28%
Fulton Financial Corporation 2.05 Billion USD 86.523%
Generations Bancorp NY, Inc. 4.69 Million USD -5792.026%
Ames National Corporation 100.57 Million USD -174.751%
United Bancorp, Inc. 87.56 Million USD -215.589%
SB Financial Group, Inc. 102.43 Million USD -169.757%
Wintrust Financial Corporation 1.15 Billion USD 76.087%
Hanmi Financial Corporation 199.09 Million USD -38.8%
Commerce Bancshares, Inc. 228.06 Million USD -21.167%
BOK Financial Corporation 6.47 Billion USD 95.731%
Southern First Bancshares, Inc. 299.14 Million USD 7.625%
Middlefield Banc Corp. 119.03 Million USD -132.155%
Eagle Bancorp Montana, Inc. 211.69 Million USD -30.538%
Coastal Financial Corporation -429.27 Million USD 164.373%
Glen Burnie Bancorp 14.97 Million USD -1744.946%
Northfield Bancorp, Inc. (Staten Island, NY) 726.19 Million USD 61.947%
CNB Financial Corporation -117.15 Million USD 335.864%
Investar Holding Corporation 268.03 Million USD -3.097%
West Bancorporation, Inc. 530.68 Million USD 47.928%
Plumas Bancorp 30.4 Million USD -809.0%
Eagle Bancorp, Inc. 704.79 Million USD 60.792%
SR Bancorp, Inc. Common stock -43.5 Million USD 735.168%
Columbia Financial, Inc. 1.12 Billion USD 75.371%
First Community Bankshares, Inc. -77.36 Million USD 457.166%
Pathfinder Bancorp, Inc. 162.87 Million USD -69.663%
Popular, Inc. -6.18 Billion USD 104.465%
TowneBank -635.77 Million USD 143.464%
Arrow Financial Corporation -85.81 Million USD 422.002%
Colony Bankcorp, Inc. 214.93 Million USD -28.567%
Trustmark Corporation 140.35 Million USD -96.885%
Wintrust Financial Corporation 1.15 Billion USD 76.087%
Finward Bancorp 32.53 Million USD -749.35%
Provident Financial Holdings, Inc. 187.12 Million USD -47.675%
Eastern Bankshares, Inc. -644.86 Million USD 142.852%
Esquire Financial Holdings, Inc. -163.02 Million USD 269.504%
Bank First Corporation -118.74 Million USD 332.716%
Peapack-Gladstone Financial Corporation 365.72 Million USD 24.441%
Camden National Corporation 444.56 Million USD 37.841%
Stock Yards Bancorp, Inc. 320.6 Million USD 13.808%
BCB Bancorp, Inc. 243.49 Million USD -13.489%
Oak Valley Bancorp -180.06 Million USD 253.462%
Summit State Bank -50.87 Million USD 643.167%
MainStreet Bancshares, Inc. 40.96 Million USD -574.599%
C&F Financial Corporation 37.25 Million USD -641.702%
Valley National Bancorp 2.81 Billion USD 90.186%
SHF Holdings, Inc. 10.19 Million USD -2610.86%
Bridgewater Bancshares, Inc. 285.94 Million USD 3.361%
Westamerica Bancorporation -113.33 Million USD 343.816%
Chemung Financial Corporation 3.95 Million USD -6895.848%
Hancock Whitney Corporation 328.91 Million USD 15.986%
Fifth Third Bancorp 16.89 Billion USD 98.364%
Sierra Bancorp 495.92 Million USD 44.279%
ACNB Corporation 188.83 Million USD -46.34%
City Holding Company 278.58 Million USD 0.806%
Rhinebeck Bancorp, Inc. 124.92 Million USD -121.209%
Enterprise Financial Services Corp -249.38 Million USD 210.807%
PB Bankshares, Inc. 36.84 Million USD -649.935%
Ponce Financial Group, Inc. 577.66 Million USD 52.163%
Guaranty Bancshares, Inc. 137.33 Million USD -101.212%
Broadway Financial Corporation 292.26 Million USD 5.45%
Lake Shore Bancorp, Inc. -17.76 Million USD 1655.683%
Affinity Bancshares, Inc. -10.02 Million USD 2856.469%
Business First Bancshares, Inc. 430.12 Million USD 35.755%
Amalgamated Financial Corp. 245 Million USD -12.789%
German American Bancorp, Inc. 119.96 Million USD -130.34%
Citizens Community Bancorp, Inc. 111.54 Million USD -147.739%
Meridian Corporation 177.03 Million USD -56.091%
Capitol Federal Financial, Inc. 2.17 Billion USD 87.322%
Old Second Bancorp, Inc. 416.48 Million USD 33.65%
First National Corporation -22.55 Million USD 1325.165%
Huntington Bancshares Incorporated 2.07 Billion USD 86.67%
Western New England Bancorp, Inc. 139.08 Million USD -98.689%
Hingham Institution for Savings 1.33 Billion USD 79.235%
CFSB Bancorp, Inc. -15.73 Million USD 1856.522%
Old National Bancorp 4.9 Billion USD 94.361%
Bank7 Corp. -196.73 Million USD 240.462%
Carver Bancorp, Inc. -1.87 Million USD 14853.657%
Fifth Third Bancorp 16.89 Billion USD 98.364%
Bank OZK -874.79 Million USD 131.589%
Hanover Bancorp, Inc. 22.74 Million USD -1114.931%
OceanFirst Financial Corp. 984.54 Million USD 71.932%
Fulton Financial Corporation 2.05 Billion USD 86.523%
Equity Bancshares, Inc. -26.36 Million USD 1147.998%
Ameris Bancorp -468.88 Million USD 158.935%
Pathward Financial, Inc. 410.35 Million USD 32.659%
Independent Bank Group, Inc. -45.79 Million USD 703.367%
Bank of Marin Bancorp 18.75 Million USD -1373.713%
Carter Bankshares, Inc. 338.87 Million USD 18.454%
First Citizens BancShares, Inc. 4.01 Billion USD 93.123%
1st Source Corporation 341.56 Million USD 19.096%
BancFirst Corporation -2.3 Billion USD 112.003%
Huntington Bancshares Incorporated 2.07 Billion USD 86.67%
South Plains Financial, Inc. -210.36 Million USD 231.363%
Old National Bancorp 4.9 Billion USD 94.361%
Independent Bank Corporation -35.4 Million USD 880.544%
S&T Bancorp, Inc. 318.72 Million USD 13.301%
PCB Bancorp -183.2 Million USD 250.834%
Parke Bancorp, Inc. -9.81 Million USD 2916.881%
Bogota Financial Corp. 142.76 Million USD -93.567%
Pacific Premier Bancorp, Inc. 41.48 Million USD -566.046%
Catalyst Bancorp, Inc. 367 Thousand USD -75195.913%
SHF Holdings, Inc. 10.19 Million USD -2610.86%
BayFirst Financial Corp. -42.07 Million USD 756.786%
Patriot National Bancorp, Inc. 150.33 Million USD -83.817%
MetroCity Bankshares, Inc. 191.49 Million USD -44.302%
First Capital, Inc. -5.57 Million USD 5055.811%
Peoples Bancorp of North Carolina, Inc. 24.63 Million USD -1021.676%
Mid-Southern Bancorp, Inc. 29.27 Million USD -843.964%
Texas Capital Bancshares, Inc. -883.7 Million USD 131.27%
Orrstown Financial Services, Inc. 125.83 Million USD -119.609%
First Hawaiian, Inc. -1.17 Billion USD 123.497%
First Merchants Corporation 502.38 Million USD 44.995%
Signature Bank 6.18 Billion USD 95.53%
Enterprise Bancorp, Inc. 53.11 Million USD -420.26%
TriCo Bancshares 663.24 Million USD 58.336%
First Business Financial Services, Inc. 191.4 Million USD -44.372%
Zions Bancorporation, National Association 2.53 Billion USD 89.108%
Midland States Bancorp, Inc. 530.15 Million USD 47.876%
First Financial Bankshares, Inc. -132.51 Million USD 308.54%
Merchants Bancorp 390.95 Million USD 29.318%
Tectonic Financial, Inc. -25.76 Million USD 1172.441%
First US Bancshares, Inc. -27.42 Million USD 1107.606%
The Bancorp, Inc. -890.22 Million USD 131.041%
Merchants Bancorp 390.95 Million USD 29.318%
Alerus Financial Corporation 248.98 Million USD -10.985%
Old Point Financial Corporation 24.47 Million USD -1028.87%
ConnectOne Bancorp, Inc. 783.47 Million USD 64.729%
John Marshall Bancorp, Inc. -5.85 Million USD 4822.885%
First Bancorp 410.13 Million USD 32.623%
Community West Bancshares 105.13 Million USD -162.837%
The First Bancorp, Inc. 34.87 Million USD -692.384%
Farmers National Banc Corp. 414.76 Million USD 33.376%
First Internet Bancorp - Fixed- 313.87 Million USD 11.96%
International Bancshares Corporation -1.02 Million USD 26954.81%
Washington Federal, Inc. 3.31 Billion USD 91.672%
Bridgewater Bancshares, Inc. 285.94 Million USD 3.361%
Bank of the James Financial Group, Inc. -4.48 Million USD 6255.848%
Valley National Bancorp 2.81 Billion USD 90.186%
Lakeland Financial Corporation -101.82 Million USD 371.386%
The First of Long Island Corporation 506.55 Million USD 45.448%
CVB Financial Corp. 2.07 Billion USD 86.69%
Orange County Bancorp, Inc. 109.85 Million USD -151.546%
Heritage Commerce Corp -336.95 Million USD 182.01%
First Financial Bancorp. 357.17 Million USD 22.632%
National Bankshares, Inc. -85.47 Million USD 423.291%
Virginia National Bankshares Corporation 51.53 Million USD -436.21%
TrustCo Bank Corp NY 84.18 Million USD -228.241%
First Busey Corporation -196 Million USD 240.986%
Dime Community Bancshares, Inc. 1.11 Billion USD 75.13%
Triumph Financial, Inc. 118.78 Million USD -132.639%
Zions Bancorporation, National Association 2.53 Billion USD 89.108%
Greene County Bancorp, Inc. 8.07 Million USD -3324.238%
WesBanco, Inc. 1.13 Billion USD 75.751%
Midland States Bancorp, Inc. 530.15 Million USD 47.876%
Huntington Bancshares Incorporated 2.07 Billion USD 86.67%
NSTS Bancorp, Inc. -28.37 Million USD 1073.734%
Dime Community Bancshares, Inc. 1.11 Billion USD 75.13%
UMB Financial Corporation -1.3 Billion USD 121.19%
1895 Bancorp of Wisconsin, Inc. 60.06 Million USD -360.031%
Home Federal Bancorp, Inc. of Louisiana -8.24 Million USD 3450.339%
Timberland Bancorp, Inc. 20 Million USD -1281.68%
Cathay General Bancorp 535.73 Million USD 48.419%
HomeTrust Bancshares, Inc. 130.58 Million USD -111.614%
CB Financial Services, Inc. -31.76 Million USD 970.076%
First Savings Financial Group, Inc. 350.24 Million USD 21.102%
HBT Financial, Inc. 5.56 Million USD -4863.823%
Kentucky First Federal Bancorp 51.4 Million USD -437.577%
Fifth Third Bancorp 16.89 Billion USD 98.364%
FVCBankcorp, Inc. 53.33 Million USD -418.075%
Magyar Bancorp, Inc. 26.33 Million USD -949.271%
Heartland Financial USA, Inc. 699.73 Million USD 60.508%
First Merchants Corporation 502.38 Million USD 44.995%
Third Coast Bancshares, Inc. -155.21 Million USD 278.031%
ECB Bancorp, Inc. 116.3 Million USD -137.606%
Republic First Bancorp, Inc. -107.6 Million USD 356.801%
Heartland Financial USA, Inc. 699.73 Million USD 60.508%
Unity Bancorp, Inc. 177.3 Million USD -55.85%
Franklin Financial Services Corporation 125.1 Million USD -120.878%
SouthState Corporation -280.84 Million USD 198.393%
Bankwell Financial Group, Inc. -94.66 Million USD 391.912%
Banner Corporation 459.33 Million USD 39.84%
Hancock Whitney Corporation - 6 328.91 Million USD 15.986%
Washington Federal, Inc. 3.31 Billion USD 91.672%
Sterling Bancorp, Inc. (Southfield, MI) -520.65 Million USD 153.075%
Stellar Bancorp, Inc. -239.47 Million USD 215.394%
Atlantic Union Bankshares Corporation 746.67 Million USD 62.991%
Great Southern Bancorp, Inc. 212.47 Million USD -30.057%
ConnectOne Bancorp, Inc. 783.47 Million USD 64.729%
First Citizens BancShares, Inc. 4.01 Billion USD 93.123%
Norwood Financial Corp. 136.2 Million USD -102.882%
First Citizens BancShares, Inc. 4.01 Billion USD 93.123%
Enterprise Financial Services Corp -249.38 Million USD 210.807%
First Foundation Inc. 255.82 Million USD -8.018%
Seacoast Banking Corporation of Florida 77.83 Million USD -255.023%
Northeast Community Bancorp, Inc. 425 Thousand USD -64920.235%
Southside Bancshares, Inc. 379.57 Million USD 27.199%
BankFinancial Corporation -129.86 Million USD 312.79%
United Bancshares, Inc. -8.87 Million USD 3214.698%
Penns Woods Bancorp, Inc. 363.63 Million USD 24.007%
First Seacoast Bancorp 66.93 Million USD -312.824%
Home Bancorp, Inc. 187.98 Million USD -47.001%
Texas Community Bancshares, Inc. 59.18 Million USD -366.894%
Bank of South Carolina Corporation 80.71 Million USD -242.356%
First Northwest Bancorp 204.1 Million USD -35.388%
First Internet Bancorp 313.87 Million USD 11.96%
Ohio Valley Banc Corp. -73.82 Million USD 474.297%
TC Bancshares, Inc. -11.93 Million USD 2414.995%
HMN Financial, Inc. 2.36 Million USD -11599.238%
IF Bancorp, Inc. 48.42 Million USD -470.612%
Horizon Bancorp, Inc. 937.13 Million USD 70.513%